Financial server, IC card terminal, and financial information processing method

Abstract

A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit company server an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card. After billing, the credit company server transmits the amount information and the credit card number to an electronic money server. The electronic money server identifies an electronic money card based on the credit card number. The electronic money server generates amount change information for adding the amount with which to charge up to “VALUE”, and transmits the amount change information to the card terminal. The electronic money card updates the amount of “VALUE” stored therein to an amount specified by the amount change information.

The application is claimed as follows: 
     
       1. A terminal comprising:
 a circuitry configured to:
 connect to a network; 
 store identification information and first information associated with a first monetary value; 
 receive second information and first change information associated with pre-stored data from a server, wherein the pre-stored data is associated with a second monetary value; and 
 send third information to the server to purchase data associated with a third monetary value and to receive second change information associated with the data from the server, 
 
 wherein the circuitry is configured to change the first information based on the second change information. 
 
     
     
       2. The terminal according to  claim 1 , wherein the circuitry is configured to connect to the network via wireless communication. 
     
     
       3. The terminal according to  claim 1 , wherein the data is configured to be purchased by a credit card. 
     
     
       4. The terminal according to  claim 1 , wherein the first information includes a data balance. 
     
     
       5. The terminal according to  claim 4 , wherein the terminal further includes a display. 
     
     
       6. The terminal according to  claim 5 , wherein the display is configured to display the data balance. 
     
     
       7. The terminal according to  claim 1 , wherein the terminal further includes an integrated circuit (IC) chip. 
     
     
       8. The terminal according to  claim 7 , wherein the IC chip includes a contactless-type IC chip. 
     
     
       9. The terminal according to  claim 7 , wherein the IC chip includes a contact-type IC chip. 
     
     
       10. A terminal comprising:
 a communication unit configured to connect to a network; 
 a memory configured to store identification information and first information associated with a first monetary value; and 
 a controller configured to control the communication unit to
 receive second information and first change information associated with pre-stored data from a server, wherein the pre-stored data is associated with a second monetary value; and 
 send third information to the server to purchase data associated with a third monetary value and to receive second change information associated with the data from the server, 
 
 wherein the controller is configured to change the first information based on the second change information. 
 
     
     
       11. The terminal according to  claim 10 , wherein the communication unit is configured to connect to the network via wireless communication. 
     
     
       12. The terminal according to  claim 10 , wherein the data is configured to be purchased by a credit card. 
     
     
       13. The terminal according to  claim 10 , wherein the first information includes a data balance. 
     
     
       14. The terminal according to  claim 13 , wherein the terminal further includes a display. 
     
     
       15. The terminal according to  claim 14 , wherein the display is configured to display the data balance. 
     
     
       16. The terminal according to  claim 10 , wherein the terminal further includes an integrated circuit (IC) chip. 
     
     
       17. The terminal according to  claim 16 , wherein the IC chip includes a contactless-type IC chip. 
     
     
       18. The terminal according to  claim 16 , wherein the IC chip includes a contact-type IC chip. 
     
     
       19. A method, comprising:
 connecting to a network by a communication unit; 
 storing identification information and first information associated with a first monetary value in a memory; 
 receiving second information and first change information associated with pre-stored data from a server, wherein the pre-stored data is associated with a second monetary value; 
 controlling a communication unit, to send third information to the server to purchase data associated with a third monetary value; 
 receiving second change information associated with the data from the server; and 
 changing the first information based on the second change information. 
 
     
     
       20. A non-transitory computer readable medium storing instructions which, when executed, are configured to cause a terminal to:
 connect to a network by a communication unit; 
 store identification information and first information associated with a first monetary value in a memory; 
 receive second information and first change information associated with pre-stored data from a server, wherein the pre-stored data is associated with a second monetary value; 
 control a communication unit, to send third information to the server to purchase data associated with a third monetary value; 
 receive second change information associated with the data from the server; and 
 change the first information based on the second change information.